prosperityseeker

So, many of you probably have a mountain of credit card debt. I hear you and I know your pain. I am working hard to eliminate credit card debt and have made a point to pay off all of my credit cards one card at a time. So, for those of you who are wondering, “ How do I get rid of credit card debt?” I say, “Do it one step at a time.”

Stop using those credit cards and pay cash for everything. Cut up your cards and cancel them right now. You don’t need them any longer. If you don’t do this, you’ll be constantly tempted to use your credit cards to take care of emergencies that aren’t necessarily emergencies, if you catch my drift. I mean, is a purple and pink hat to match your yellow coat, really an emergency? I think not. However, if you have a credit card, you may be tempted to buy it simply because “you have to have it.” However, if you are committed to paying cash for everything and you don’t have the cash to pay for it now, you won’t by it.

If you find that you absolutely and positively must use a card, then use a debit card or a prepaid card. This will keep you from owing anyone any money and will certainly keep you from overspending. In addition, you should carry cash and use cash as much as possible. It just hurts more to use cash and I find that I actually think about my purchases more when I use cash instead of credit cards.

In conclusion, just remember that the best way to get rid of credit card debt is to stop using credit cards and pay cash and if you have to use a card, make it a debit card only. Good luck prosperity seeker, you can do it!

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